3 ways to get out of debt

With many South Floridians continuing to pay down their credit cards, Greg Lull, a vice president for the consumer website CreditKarma.com, gives three tips to help people cut even more debt.

Create a plan to pay down your bills. "If you have good credit you might be able to consolidate all of your credit card debt on a zero interest balance transfer credit card," Lull said, adding, "You can either pay more toward the cards with the highest interest rate or target the smallest debts first. While paying the highest interest rates off first will save you more money, many people do better by paying off smaller debts first and getting the satisfaction of quicker accomplishments."

Spend less then you make. Track how much you spend, then start making small changes, Lull said. Eating lunch out once a week or making your coffee at home can translate into saving $100 or more a month, Lull said.

Take advantage of low interest rates by shopping around for a better auto loan or mortgage rate, Lull said, to lower your monthly mortgage payment and car payment. The extra savings can be used to pay down debt faster.